CreditWise Loan App Review: APK Download, customer care number

Creditwise loan app provides collateral free short-term loans in Nigeria.

In the fast-paced world of today, financial flexibility and quick access to funds have become essential components of managing our personal finances. This is where financial technology (fintech) apps like CreditWise come into play. In this review, we will delve into the features, benefits, and potential drawbacks of the CreditWise loan app, shedding light on whether it lives up to its promises of offering accessible and reliable microloans.

CreditWise APK Download and loan application

• Download the CreditWise Loan App exclusively available on the Google Playstore and install it on your Android phone.

• Register an account with your phone number.

• Preferably the phone number connected to your BVN as a one-time password will be sent to it for verification.

• Fill in your basic know-your-customer KYC information, including your residential address, next of kin, and employment details

• You will also be required to provide your Biometric verification number BVN.

• You’ll be charged N30 to bind your ATM card to your account to increase your chances and getting a higher loan amount.

• A one-time password OTP will be sent to your phone to confirm your details.

• After the submission of your loan application, the software will analyze your credit score and the final result will be shown in the APP.

• The result should be displayed in less than two minutes and if you qualify for a loan, the loan amount will be disbursed into the bank account directly.

• Make sure you’re using a good phone with enough memory space as you will be required to take a clear live selfie for identity.

Note that binding your ATM card with N30 does not guarantee that you will get a loan, you still have to pass the credit score check.

The N30 charged to bind your ATM card to your account is refundable, but can take anywhere from 7 to 12 business days for the money to be refunded back to your bank account.

Your BVN is linked to your credit score, so if you have an outstanding loan with other lenders or didn’t pay other lenders as at when due, expect your application to be rejected.

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Your credit score is a record of your previous borrowings, how early or late you make your payments, cash transactions going in and out of your bank account among other information.

Is CreditWise loan app legit?

CreditWise loan app is legit and gives micro loans to a maximum amount of N50,000 to customers, but has really high interest rates and bugs that prevents smooth registration. caution should be taken before taking any online loan. Always read other customer’s reviews before you apply for a loan in Nigeria.
You should know that these loan apps are not registered or regulated by the CBN or any government agency in Nigeria. You are responsible for the security of your transactions with them and there is no way to seek redress for poor customer service.

CreditWise Features

Sleek User Interface and Seamless Navigation: One of the first aspects that catch your eye when using the CreditWise loan app is its clean and intuitive user interface. The app’s design promotes ease of navigation, making it suitable for users across various age groups and levels of digital literacy. The user-friendly layout ensures that accessing loans and managing your account is a straightforward process, enhancing the overall user experience.

Swift Loan Application Process: The CreditWise app stands out for its remarkably swift loan application process. Users can apply for microloans within minutes, sparing them the hassle of traditional paperwork and lengthy approval times. The app assesses your creditworthiness based on various factors, including your credit history, financial behavior, and repayment patterns. This approach enables even users with limited credit history to secure loans, fostering financial inclusion and assisting individuals in times of need.

Flexible Loan Repayment Options: Another noteworthy feature of the CreditWise loan app is its flexible loan repayment options. The app allows users to choose repayment periods that suit their financial circumstances, thus reducing the likelihood of default. This feature helps alleviate the burden on borrowers and empowers them to manage their loans responsibly.

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Transparent Fee Structure: One aspect that can often sour the experience with loan apps is hidden fees and charges. However, CreditWise takes a step in the right direction by providing users with a transparent fee structure. The app outlines all associated costs, ensuring that borrowers are well-informed about the financial commitment they are undertaking. This transparency contributes to building trust and confidence among users.

Customer Support and Educational Resources: While navigating financial apps can be straightforward for many users, questions and concerns are bound to arise. CreditWise addresses this by offering customer support and educational resources within the app. Users can access relevant information about borrowing, repaying loans, and managing their financial health. This commitment to customer education sets CreditWise apart from other loan apps and demonstrates its dedication to helping users make informed financial decisions.

Considerations: While the CreditWise loan app offers an array of beneficial features, there are a few considerations to keep in mind. Like any borrowing option, it’s essential to evaluate your financial situation before taking on a loan. While the app’s credit assessment process caters to users with limited credit history, borrowers should still exercise caution and ensure they can comfortably manage loan repayments.

CreditWise customer care number

We are available 24/7 to assist you with your request

Service phone number: 018883539
• Service Email: [email protected]
• Our Office Address: 23a Moleye Street, Alagomeji-Yaba 234-01, Lagos, Nigeria


In the landscape of fintech apps, the CreditWise loan app has managed to carve out a space for itself by offering swift, accessible, and transparent microloans. Its user-friendly interface, flexible repayment options, and commitment to educating users about responsible borrowing contribute to its appeal. However, as with any financial decision, users should approach borrowing through the app thoughtfully and consider their financial capacity before taking on a loan. When used responsibly, the CreditWise loan app can undoubtedly be a valuable tool in navigating life’s financial ups and downs.

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